Starman's Wife UE Diary

[starman]

Hi,

This is the thread of my wife's credit card debts

[starman]

Type of account Credit Card - Barclaycard
Date commenced Feb-15
Approx balance £11,300
Date last paid Jul-21
Are you on arrangement or not paying DMP
Status Default - December 2019
Account owner PRA Group - Oct 2020

22/04/21 - CCA request sent via 2nd Class Sign For, including £1 postal order
30/04/21 - Letter received dated 29/04/21 acknowledging CCA request and informing they are requesting the "required information". They state they don't charge for this and have returned the postal order.
18/05/21 - CCA received dated 13/05/21, awaiting verification - Niddy's opinion is ENFORCEABLE

[starman]

Type of account Credit Card - MBNA
Date commenced Jul-14
Approx balance £23,900
Date last paid May-21
Are you on arrangement or not Stopped paying DMP May 21
Status Default - March 2020
Account owner PRA Group - Sep 2020

22/04/21 - CCA request sent via 2nd Class Sign For, including £1 postal order
30/04/21 - Letter received dated 29/04/21 acknowledging CCA request and informing they are requesting the "required information". They state they don't charge for this and have returned the postal order.
08/06/21 - Letter received dated 07/06/21 - Statement from MBNA with cover letter from PRA stating they are awaiting further documents and currently deem the debt as UNENFORCEABLE
30/06/21 - Letter received dated 25/06/21 - T&Cs and apparent agreement, awaiting verification - Niddy's opinion currently UNENFORCABLE

[starman]

Type of account Credit Card - AA
Date commenced Dec-15
Approx balance £3,300
Date last paid Jul-21
Are you on arrangement or not Paying DMP
Status Default - March 2020
Account owner JAJA Finance - Unsure

22/04/21 - CCA request sent via 2nd Class Sign For, including £1 postal order
28/04/21 - Received letter, completely ignoring the CCA and said they don't accept payments by cheque for your credit card
19/05/21 - CCA received dated 14/05/21, awaiting verification - Niddy's opinion is ENFORCEABLE

[The Tech Clerk]

Hello & Welcome:- could you update what action i..:- have you CCAd or received default noticed from any of these, just to get more ideas by members!?

[starman]

Hi,

Added the default dates, not sent CCA yet and still paying DMP.

[PlanB]

Hi,

Added the default dates, not sent CCA yet and still paying DMP.

Hello again.

It's definitely a good idea to keep your and your wife's debts on separate threads unless any of them are joint like a loan, but it doesn't look as if they are (that's not the same as Additional Cardholder on a credit card).

If you can add any information on when these (and your) debts were assigned/that would help to complete the picture before making any suggestions as to the way forward.

I look forward to helping both of you.

Di

[starman]

Hi again

I've updated the posts with the date when they were assigned to the debt collections.

I'm not sure when the AA credit transformed to JAJA Finance. There is no mention of AA Credit card on credit file unlike PRA Group who have created separate entries (and additional defaults!)

BTW, the mortgage with Nationwide is a joint account, it's the only financial association we have together.

[Night Monkey]

...unlike PRA Group who have created separate entries (and additional defaults!)

This might be worth looking at in the fullness of time, it's my understanding that while a CRA entry can be transferred to a new owner the original default should remain the only one.

Plenty of time to think about that though, the experts will be along soon.

And welcome, btw.

[PlanB]

Hi again

I'm not sure when the AA credit transformed to JAJA Finance. There is no mention of AA Credit card on credit file

I can help you with the answer to that question - the Bank of Ireland sold their credit card business including thousands of their AA branded credit cards to JaJa Finance in September 2020 (last year) as explained in The Guardian > https://www.theguardian.com/money/20...rred-visa-Jaja

This could explain why the AA is not showing on your wife's credit file now.

I don't know what paperwork would have travelled with the sale, but there's a slim chance not everything arrived safely so let's see what Jaja come up with if/when you send them a s78 CCA Request.


Di

[starman]

Hi Di,

So do you think now is a good time to send the s78 CCA Request?

One thing that concerns is if it comes back as enforceable, will they look to expediate the repayment in the form of a CCJ? Or would they be happy for us to go back to the DMP for the next 25 years

[The Tech Clerk]

send the CCA more than one factors as proven on here to make a case for them to win, without site of CCA nobody can get a true idea of facts, send ot get proof of posting also copy on file and update diary

[PlanB]

Hi Di,

So do you think now is a good time to send the s78 CCA Request?

One thing that concerns is if it comes back as enforceable, will they look to expediate the repayment in the form of a CCJ? Or would they be happy for us to go back to the DMP for the next 25 years|

Yes, send a CCA Request to Jaja.

I don't have a crystal ball to predict what will happen next so try not to worry about the 'what ifs'.

Wait until you get their response and then cross each bridge as you get to it.

Di

[starman]

Today, we received an odd letter from Jaja which has no mention of the CCA request and instead just says they don't accept payment for your credit card via cheque.

I have a copy of letter I sent them and the tracking number showing they received it.

Guess I will mark as unenforceable after the statuary time has passed

[Warwick65]

Today, we received an odd letter from AA which has no mention of the CCA request and instead just says they don't accept payment for your credit card via cheque.

I have a copy of letter I sent them and the tracking number showing they received it.

Guess I will mark as unenforceable after the statuary time has passed

That is no surprise- I have had letters from Lowell saying there is no need to send a deed of novation when I said something completely different. I think sometimes people just press the wrong button. So long as you can evidence you sent a CCA letter and the payment they are stuffed.